Crypto Payments Struggle for Mainstream Adoption Despite Stablecoin Growth

The 2025 State of Onchain UX report reveals persistent barriers to widespread crypto payment adoption, even as stablecoins gain traction and fintech giants enter the space. Multi-wallet usage has become standard practice, with no single blockchain dominating activity. While user confidence grows, scam risks escalate in parallel.

Wallet fragmentation and chain interoperability challenges complicate the user experience. The report highlights a paradox: despite broadening use cases, engagement remains concentrated around a handful of preferred platforms. Payment functionality continues to lag behind speculative and investment uses across major chains.

Reown’s findings suggest that until transactional workflows achieve cash-like simplicity, crypto payments will remain niche. ’The technology must become invisible,’ the report concludes, noting that current UX friction outweighs the theoretical benefits of decentralized payments for most consumers.